Are you searching for the cheapest car insurance rates in Arroyo Grande, CA? Searching for low-cost insurance for a car in California can turn out to be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to find car insurance online so we're going to tell you the proper way to compare rates for your and get the best price possible.
It's important to price shop coverage before your policy renews because rates are variable and change quite frequently. If you had the best deal on car insurance six months ago you will most likely find a better price today. Ignore everything you know about car insurance because we're going to demonstrate the best way to properly buy coverages while reducing your premium.
Locating the most cost-effective auto insurance policy in Arroyo Grande is much easier if you have a good place to start. If you already have coverage or want to find a cheaper company, you can learn to shop for the lowest rates without reducing protection. Consumers only need an understanding of the best way to shop over the internet.
Do you qualify for discounts on car insurance?
Companies that sell car insurance do not advertise every discount they offer in a way that's easy to find, so the following list contains a few of the more well known as well as some of the hidden credits that you can use to lower your rates.
- No Claim Discounts - Insureds with no claims or accidents have much lower rates in comparison with frequent claim filers.
- Good Student - Excelling in school can get you a discount of up to 25%. This discount can apply up to age 25.
- Military Deployment Discount - Having a family member in the military could be rewarded with lower rates.
- Payment Method - If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
- Discounts for Government Workers - Active or former government employment could cut as much as 10% off but check with your company.
- New Vehicle Savings - Putting insurance coverage on a new car can save you some money compared to insuring an older model.
- Own a Home and Save - Owning a house in Arroyo Grande may trigger a policy discount on car insurance because of the fact that having a home is proof of financial responsibility.
- Seat Belts Save - Drivers who require all occupants to buckle their seat belts could save 15% off the medical payments premium.
Consumers should know that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it's possible to get free car insurance, you aren't that lucky. Any qualifying discounts should definitely cut the amount you pay for coverage.
Companies and their possible discounts are detailed below.
- State Farm offers premium reductions for Steer Clear safe driver discount, good student, defensive driving training, anti-theft, and passive restraint.
- American Family includes discounts for good student, multi-vehicle, Steer into Savings, TimeAway discount, defensive driver, and mySafetyValet.
- AAA has savings for pay-in-full, good driver, AAA membership discount, education and occupation, multi-policy, and good student.
- GEICO discounts include emergency military deployment, good student, anti-lock brakes, military active duty, and multi-vehicle.
- Mercury Insurance offers discounts for annual mileage, age of vehicle, professional/association, type of vehicle, multi-car, good student, and accident-free.
- Farmers Insurance policyholders can earn discounts including distant student, multi-car, early shopping, good student, alternative fuel, and business and professional.
- Progressive may offer discounts for online signing, homeowner, multi-vehicle, good student, continuous coverage, and multi-policy.
If you need cheaper Arroyo Grande auto insurance quotes, ask every prospective company what discounts are available to you. Depending on the company, some discounts may not apply to policyholders in your state. To view car insurance companies that offer many of these discounts in California, click here to view.
Most companies give price estimates from their websites. This process is fairly simple as you just type in your personal and coverage information into a form. When the form is submitted, their quoting system obtains information on your driving record and credit history and gives you a price quote.
Quoting online simplifies rate comparisons, and it's also necessary to compare as many rates as possible in order to find the best rate on insurance.
To save time and get comparison pricing now, check out the insurance providers below. If you have a policy now, it's recommended you copy coverages and limits as shown on your current policy. This ensures you will be getting a price comparison based on identical coverages.
The following companies provide quotes in Arroyo Grande, CA. To find cheap auto insurance in California, it's a good idea that you visit two to three different companies to get the cheapest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LTZ||$1,280||$640||$107|
|Chevrolet Silverado LT Regular Cab 2WD||$1,816||$908||$151|
|Dodge Ram Crew Cab ST 2WD||$1,270||$635||$106|
|Ford Escape Limited 4WD||$1,464||$732||$122|
|Ford F-150 XLT Super Cab 4WD||$1,122||$561||$94|
|Ford Focus SE 2-Dr Coupe||$1,494||$747||$125|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,312||$656||$109|
|Honda Accord EX-L 4-Dr Sedan||$1,228||$614||$102|
|Honda CR-V LX 2WD||$1,178||$589||$98|
|Honda Civic LX 2-Dr Coupe||$1,616||$808||$135|
|Hyundai Elantra Blue 4-Dr Sedan||$1,082||$541||$90|
|Hyundai Sonata GLS 4-Dr Sedan||$1,492||$746||$124|
|Nissan Altima Hybrid 4-Dr Sedan||$1,484||$742||$124|
|Toyota Camry LE||$1,518||$759||$127|
|Toyota Corolla LE||$1,482||$741||$124|
|Toyota RAV4 Limited 4WD||$1,532||$766||$128|
|Toyota Tacoma 2WD||$1,460||$730||$122|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in your specific Arroyo Grande location which can decrease or increase premium rates substantially.
Higher deductibles save money
When comparing car insurance rates, the most common question is how high should the physical damage coverage deductibles be. The premium rates below may help to conceptualize the difference in cost when you select higher and lower insurance deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$298||$472||$376||$22||$112||$1,305||$109|
|Elantra Blue 4-Dr Sedan||$298||$678||$442||$26||$132||$1,601||$133|
|Elantra GLS 4-Dr Sedan||$342||$678||$442||$26||$132||$1,645||$137|
|Elantra SE 4-Dr Sedan||$342||$678||$442||$26||$132||$1,645||$137|
|Elantra SE Touring Station Wagon||$342||$576||$376||$22||$112||$1,453||$121|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$184||$298||$376||$22||$112||$992||$83|
|Elantra Blue 4-Dr Sedan||$184||$426||$442||$26||$132||$1,210||$101|
|Elantra GLS 4-Dr Sedan||$210||$426||$442||$26||$132||$1,236||$103|
|Elantra SE 4-Dr Sedan||$210||$426||$442||$26||$132||$1,236||$103|
|Elantra SE Touring Station Wagon||$210||$362||$376||$22||$112||$1,082||$90|
|Get a Quote for Your Vehicle Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in specific garaging location which can revise rates significantly.
Based on the above data, using a $250 deductible could cost the average driver approximately $31 more each month or $372 every year than opting for the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 24 months between claim filings, you would most likely save money if you choose a higher deductible.
Comparison of policy deductibles
The information below highlights how deductible choice and can influence Nissan Altima insurance premiums for different categories of driver ages. The rate quotes are based on a single male driver, comp and collision included, and no discounts are factored in.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
Tickets and at-fault accidents raise rates
The diagram below shows how violations and at-fault accidents can influence Dodge Ram insurance costs for different insured age categories. The information is based on a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.
Which is the best car insurance?
When it comes to buying the best car insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else's so your insurance should reflect that Here are some questions about coverages that may help you determine if your situation may require specific advice.
- I have health insurance so do I need medical payments coverage?
- Are there companies who specialize in insuring high-risk drivers?
- How much cheaper are high deductibles?
- Is my camper covered by my car insurance policy?
- Should I bundle my homeowners policy with my auto?
- What can I do if my company won't pay a claim?
- Are rock-chip repairs free?
- How high should deductibles be on a vehicle?
- What is motorclub and do I need it?
- What companies insure drivers after a DUI or DWI?
If you don't know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It's fast, doesn't cost anything and you can get the answers you need.
Insurance agents are trained to help
Many drivers just prefer to have an agent's advice and that is a personal choice. Licensed agents can point out coverage gaps and help you file claims. One of the great benefits of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent.
For easy comparison, once you complete this quick form, the quote information is instantly submitted to local insurance agents who will give you bids for your insurance coverage. You never need to contact any agents because quoted prices will be sent instantly to you. If you have a need to get a rate quote from one company in particular, you can always jump over to their website and complete a quote there.
Finding the right provider shouldn't rely on just a cheap price. Some important questions to ask are:
- Will the agent help in case of a claim?
- Do they offer accident forgiveness?
- Are they paid to recommend certain coverages?
- Do they see any coverage gaps in your plan?
- Is there a Errors and Omissions policy in force?
- What are the financial ratings for the companies they represent?
- Does the agent have a valid license to sell insurance in California?
- When do they do policy reviews?
If you feel you receive positive responses as well as an affordable premium quote, it's a good possibility that you have found an insurer that meets the criteria to provide insurance coverage. Keep in mind you can terminate your policy whenever you wish so never feel you're contractually obligated to any specific agency with no way to switch.
Protect more than your vehicle
Even though it's not necessarily cheap to insure a vehicle in Arroyo Grande, car insurance may be required for several reasons.
First, most states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability protection in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your car, almost every bank will force you to have insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank or lender will purchase a policy for your vehicle for a much higher rate and require you to fork over the higher price.
Third, insurance safeguards both your assets and your vehicle. It will also provide coverage for most medical and hospital costs that are the result of an accident. Liability insurance also covers legal expenses if you cause an accident and are sued. If you have damage to your vehicle as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of having car insurance are without a doubt worth the cost, especially for larger claims. The average driver in California is currently overpaying as much as $865 each year so it's very important to do a rate comparison at every renewal to be sure current rates are still competitive.
Detailed coverages of your insurance policy
Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.
Uninsured/Underinsured Motorist coverage - This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your vehicle.
Due to the fact that many California drivers only carry the minimum required liability limits (California limits are 15/30/5), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Collision - This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as crashing into a ditch, backing into a parked car, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It's also possible to raise the deductible to bring the cost down.
Comprehensive coverage - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as theft, hitting a deer, vandalism, falling objects and damage from getting keyed. The highest amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Medical payments coverage and PIP - Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, ambulance fees, prosthetic devices, rehabilitation expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability insurance - Liability insurance protects you from damages or injuries you inflict on other's property or people in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 15/30/5 which stand for a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.
Liability can pay for claims like attorney fees, bail bonds and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it's cheap coverage so purchase as large an amount as possible. California requires drivers to carry at least 15/30/5 but you should consider buying better liability coverage.
Shop smart and save
As you go through the steps to switch your coverage, it's not a good idea to skimp on coverage in order to save money. There have been many situations where drivers have reduced collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at the best price and still be able to protect your assets.
Lower-priced auto insurance in Arroyo Grande is available from both online companies in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. A few companies don't offer online price quotes and these smaller companies prefer to sell through independent insurance agents.
You just read a lot of information how to find cheaper coverage online. It's most important to understand that the more times you quote, the better chance you'll have of finding inexpensive Arroyo Grande auto insurance quotes. Consumers may even find the biggest savings come from an unexpected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.
Additional auto insurance information is available at these links:
- Your Car has been Stolen: Now What? (Allstate)
- What Car Insurance is Cheapest in Huntington Beach, California? (FAQ)
- Who Has the Cheapest California Car Insurance Rates for a Toyota 4Runner? (FAQ)
- Who Has Cheap Car Insurance Quotes for High Mileage Drivers in California? (FAQ)
- What is the Cheapest Car Insurance in Fremont, California? (FAQ)
- Rollover Crash FAQ (iihs.org)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)